too bad we didn't move forward a little sooner when matt gonzalez actually put this forward in 2001, something the city should be pursuing. and then john avalos really put effort into it and fewer and cohen thank you for doing that work as well. i got activated in local politics about an issue with chase bank because i just graduated sf state with my masters degree, i didn't have much money and chase bank started charging me for being poor. so i was thinking about it from a personal level at first. and then i started to do the research into glass stegall and i started to understand that chase bank is responsible for supporting predatory lending and it's also responsible for investing in fossil fuels and things that we don't believe in and so do the other big banks. so it's so important for us to have an alternative that will give back to the community and it sounds like it's really just an issue of getting down to brass tax like you were talking about and the speakers were talking about. do we do something short-term with the existing charters of the credit union or commercial bankin